FIRST CITIZENS STATE BANK

WHITEWATER, WI | Medium | Est. Oct. 25, 1863, midnight | FDIC #11228 | RSSD #831642 | FDIC
Latest Report: 2025-12-31

FIRST CITIZENS STATE BANK is amn medium FDIC-insured commercial bank headquartered in WHITEWATER, WI, established in Oct. 25, 1863, midnight. As of 2025-12-31, the bank reported total assets of $513M and total deposits of $379M. Profitability stands at 1.69% ROA and 9.69% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 17.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #11228.

Assets

$513M

Deposits

$379M

Loans

$353M

Equity

$89M

Profitability

Return on Assets (ROA) 1.69%
Return on Equity (ROE) 9.69%
Net Interest Margin (NIM) 3.80%
Yield on Assets 5.66%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.00%

Capital & Liquidity

CET1 Ratio 17.27%
Tier 1 Capital 17.27%
Total Capital Ratio 18.14%
Leverage Ratio 17.82%
Loan-to-Deposit 93.20%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required